H.R. 5877 — Combatting Money Laundering in Cyber Crime Act of 2025

This section expands United States Secret Service (USSS) investigative authorities under 18 U.S.C. §3056(b) by (1) adding violations of 18 U.S.C. §1960 (prohibiting unlicensed money transmitting businesses) to the list of offenses related to threats against protectees; and (2) in paragraph (3), adding money laundering and structured transactions (i.e., transactions structured to evade reporting requirements) to enumerated financial crimes, striking the limitation to "federally insured" institutions, and defining "institution" by reference to 31 U.S.C. §5312 (i.e., financial institutions subject to the Bank Secrecy Act, such as banks and money services businesses). (Thus, USSS gains broader authority to investigate these financial crimes regardless of whether the institution is federally insured.)

This section directs the Government Accountability Office, not later than one year after the date of enactment of this Act, to conduct a study and submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a report on the implementation of section 6102 of the Anti-Money Laundering Act of 2020 (title LXI of division F of Public Law 116-283). The study must focus on evaluating law enforcement's ability to identify and deter money laundering in cyber crimes.